ABBASI, Sanaullah; SHAIKH, Shawaiz Ahmed; MEHDI, Syed Khurram. Digital Transformation in Pakistan’s Banking Sector: Adoption Patterns, Performance Outcomes, and Implementation Barriers. ACADEMIA International Journal for Social Sciences, [S. l.], v. 5, n. 3(s2), p. 151–183, 2026. DOI: 10.63056/academia.5.3(b).2026.1793. Disponível em: https://academia.edu.pk/index.php/Journals/article/view/1793. Acesso em: 21 sep. 2026.